| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP, INC. | 4348 SOUTHPOINT BLVD SUITE 400 JACKSONVILLE, FL 32216 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.04% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | COMPASS CONSULTING GROUP 4348 SOUTHPOINT BLVD, SUITE 400 JACKSONVILLE, FL 32216 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | — | $6K | 0.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 1350 TREAT BLVD WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 1.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.50% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | COMPASS CONSULTING GROUP 4348 SOUTHPOINT BLVD, SUITE 400 JACKSONVILLE, FL 32216 | EYEMED VISION CARE | $129 | — | $129 | 0.50% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | COMPASS CONSULTING GROUP 4348 SOUTHPOINT BLVD, SUITE 400 JACKSONVILLE, FL 32216 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 9.43% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | COMPASS CONSULTING GROUP 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $134 | — | $134 | 10.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 32,334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 9,650 | $165.6M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 29,571 | $776K |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 22,638 | $1.2M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 556 | $1.7M |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 8,440 | $9.5M |
| Long-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 8,440 | $9.5M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 4,447 | $105.4M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 556 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,571 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.